Oleh: Ir. Goenawan Hadidjojo, ACII Derector PT Bess Central Insurance Insurance Goes To Campus Universitas Muhammadiyah Malang Malang, 17 Oktober 2013.

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Oleh: Ir. Goenawan Hadidjojo, ACII Derector PT Bess Central Insurance Insurance Goes To Campus Universitas Muhammadiyah Malang Malang, 17 Oktober 2013 Pengenalan Asuransi

RESIKO : Kemungkinan terjadinya kerugian

MENYIKAPI RESIKO

People cannot discover new lands until they have the courage to lose sight of the shore === Andre Gide

It is better to have enough ideas for some of them to be wrong, than to be always right by having no ideas at all. Edward de Bono

Kemungkinan ?

UKURAN

Vredefort Crater 300 km 2 milyar SM

Nilai ?

US$ 1 US$ 1.5 bio

US$ 1 ?

Ambang ?

Risk Taker

Risk Averse

PERSEPSI

146 m 230 m X 230 m 2.3 juta bongkah 2 – 7 ton

Pengalaman Aceh 2004 Sendai 2011

Tak terbayangkan!

Do your best !

PROSES MANAJEMEN RESIKO Pengenalan PengukuranAnalisaPenangananImplementasiReview dan evaluasi

PROSES MANAJEMEN RESIKO Penanganan Resiko PengendalianMenghindariMembatasiPembiayaan Menanggung sendiri TransferAsuransiNon Asuransi

Menghindar

Membatasi

Menanggung Sendiri

Memindahkan

Asuransi

Resiko Murni

Resiko Spekulatif

JENIS RESIKO

KETIKA SALAH

Piper Alpha korban 3.4 b USD klaim